Job Overview
We are seeking a detail-oriented and analytical Credit Analyst to join our financial services team. The ideal candidate will be responsible for assessing creditworthiness, analyzing financial data, and providing insights that inform lending decisions. Must have experience working with Commercial/C & I and Commercial Real Estate transactions.

Duties

Underwrite loan requests for both new and renewal transactions as needed for submission for approval to include financial statement analysis, identifying primary, secondary and tertiary sources of loan repayment, calculating and evaluating cash flow, debt service coverage, performing collateral analysis and assessing personal guarantor strength.
Collect and analyze data relevant to credit assessments, ensuring accuracy and compliance with regulatory standards.
Prepare detailed financial reports and documentation for internal stakeholders and external clients.
Utilize financial software tools for quantitative analysis, enhancing efficiency in data processing and reporting.
Collaborate with loan origination teams to ensure smooth processing of applications while adhering to company policies.
Implement fraud prevention and detection measures throughout the credit assessment process.
Maintain up-to-date knowledge of accounting principles, banking regulations, and market trends affecting credit risk.

Education/Experience

Five years' banking credit experience.
Bachelor's degree in Business or Finance from a four-year accredited college or university.

Job Type: Full-time

Pay: $60,000.00 - $90,000.00 per year

Benefits:

401(k)
401(k) 6% Match
Dental insurance
Employee assistance program
Flexible spending account
Health insurance
Health savings account
Life insurance
Paid time off
Vision insurance

Experience:

Commercial Credit Banking: 5 years (Required)

Ability to Commute:

Fort Myers, FL 33919 (Required)

Ability to Relocate:

Fort Myers, FL 33919: Relocate before starting work (Required)

Work Location: In person

Sanibel Captiva Community Bank

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